Cheapest Insurance Rates for 2021 Models [Cost + Rankings]

The crop of 2021 vehicle models comes with a host of standard safety and crash-prevention technologies. But do those features translate into cheaper insurance rates?

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As big of a wreck as 2020 was, 2021 is shaping up to be a good year for the automotive industry. Completely new models include the Ford Bronco, Kia Seltos, Chevy Trailblazer, Genesis GV80, and the Toyota Venza. Exciting redesigns include the Nissan Rogue, Toyota Sienna, Hyundai Elantra, Kia Sorento, and the fleet of large GM SUVs like the Tahoe, Suburban and Yukon.

As with any new or used vehicle, insurance cost should be a consideration when determining how the vehicle fits into the monthly budget. We took all the 2021 models and ranked them by insurance cost and grouped them by vehicle class so you can see which 2021 vehicles have the cheapest insurance rates.

Cheapest Small Car – 2021 Chevrolet Spark

Drivers can expect to pay on average around $1,258 per year, $629 for a 6-month policy, or $105 per month for full coverage insurance on a Chevrolet Spark. It costs $192 less per year on average as compared to other small cars. The Chevrolet Spark ranks first out of a total of 23 vehicles in our small car insurance comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Small Cars to Insure for 2021
Top 10 Cheapest Small Cars to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Chevrolet Spark$1,152$576$96
Kia Rio5$1,216$608$101
Toyota Corolla$1,222$611$102
Volkswagen Golf$1,258$629$105
Subaru Impreza$1,288$644$107
Nissan Sentra$1,322$661$110
Mazda 3$1,330$665$111
Honda Civic$1,350$675$113
Kia Rio$1,364$682$114
Hyundai Accent$1,376$688$115

Cheapest Midsize Car – 2021 Honda Insight

Coming in at around $1,384 per year for full coverage insurance, the Honda Insight is the cheapest in the midsize car segment. This is around $115 per month and is $145 less per year when compared to the average insurance rate for the segment as a whole. Out of a total of 13 vehicles in our midsize car insurance comparison, the Honda Insight takes the top spot.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Midsize Cars to Insure for 2021
Top 10 Cheapest Midsize Cars to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Honda Insight$1,364$682$114
Mazda 6$1,384$692$115
Chevrolet Malibu$1,408$704$117
Toyota Camry$1,486$743$124
Subaru Legacy$1,496$748$125
Volkswagen Passat$1,502$751$125
Honda Accord$1,504$752$125
Nissan Altima$1,510$755$126
Kia K5$1,536$768$128
Volkswagen Arteon$1,628$814$136

Cheapest Large Car – 2021 Kia Cadenza

The Kia Cadenza takes first place in what’s left of the dwindling large car segment. Costing around $1,482 per year, $741 for a 6-month policy, or $124 per month for full coverage insurance, it costs $176 less per year on average when compared to the segment average. Read the full large car insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Cheapest Large Cars to Insure for 2021
Cheapest Large Cars to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Kia Cadenza$1,482$741$124
Chrysler 300$1,582$791$132
Toyota Avalon$1,598$799$133
Nissan Maxima$1,656$828$138
Dodge Charger$1,974$987$165

Cheapest Small SUV – 2021 Mazda CX-3

Drivers can expect insurance rates on a Mazda CX-3 to cost around $1,296 per year  or $108 per month for full coverage. On average, it costs $48 less per year when compared to the entire small SUV class. The Mazda CX-3 ranks first out of a total of 42 vehicles in our small SUV insurance comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Small SUVs to Insure for 2021
Top 10 Cheapest Small SUVs to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Mazda CX-3$1,146$573$96
Honda CR-V$1,188$594$99
Mazda CX-5$1,204$602$100
Mazda CX-30$1,206$603$101
Ford Ecosport$1,212$606$101
Toyota C-HR$1,214$607$101
Nissan Rogue Sport$1,222$611$102
Chevrolet Trax$1,232$616$103
Buick Envision$1,236$618$103
Mitsubishi Eclipse Cross$1,240$620$103

Cheapest Midsize SUV – 2021 Ford Edge

Ranking #1 in the midsize SUV class is the Ford Edge at around $1,250 per year. It costs $225 less per year on average to insure a Ford Edge compared to the overall average rate for the midsize SUV segment. Rankings for all 27 vehicles can be found in our midsize SUV insurance comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Midsize SUVs to Insure for 2021
Top 10 Cheapest Midsize SUVs to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Ford Edge$1,250$625$104
Honda Passport$1,270$635$106
Chevrolet Blazer$1,278$639$107
Kia Telluride$1,286$643$107
Volkswagen Atlas$1,296$648$108
Subaru Ascent$1,308$654$109
Nissan Murano$1,348$674$112
Honda Pilot$1,354$677$113
Buick Enclave$1,408$704$117
Hyundai Palisade$1,412$706$118

Cheapest Large SUV – 2021 Chevrolet Tahoe

Plan on paying around $1,536 per year to insure a Chevrolet Tahoe, the cheapest large SUV in our comparison. When compared to all large SUVs, it costs $54 less per year on average for full coverage. Check out our complete large SUV insurance comparison report.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Cheapest Large SUVs to Insure for 2021
Cheapest Large SUVs to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Chevrolet Tahoe$1,524$762$127
Toyota Sequoia$1,536$768$128
Ford Expedition$1,598$799$133
Chevrolet Suburban$1,610$805$134
Nissan Armada$1,618$809$135
GMC Yukon$1,654$827$138

Cheapest Midsize Truck – 2021 Chevrolet Colorado

Taking top honors in the midsize truck category is the Chevrolet Colorado. Drivers can expect to pay on average around $1,304 per year, $652 for a 6-month policy, or $109 per month for full coverage. It costs $42 less per year on average as compared to other midsize trucks. For more info, see our complete midsize truck insurance cost article.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Cheapest Midsize Truck to Insure for 2021
Cheapest Midsize Truck to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Chevrolet Colorado$1,222$611$102
Toyota Tacoma$1,304$652$109
Ford Ranger$1,314$657$110
Nissan Frontier$1,314$657$110
GMC Canyon$1,408$704$117
Jeep Gladiator$1,426$713$119
Honda Ridgeline$1,436$718$120

Cheapest Large Truck – 2021 Ford F150

Coming in first overall in the large truck class is the 2021 Ford F150 at an estimated $1,470 per year. That equates to $735 for a 6-month policy, or $123 per month. When compared to the average for the entire large truck segment, the Ford F150 is approximately $82 less per year. For the complete report, see the large truck insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Cheapest Large Truck to Insure for 2021
Cheapest Large Truck to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Ford F150$1,470$735$123
Toyota Tundra$1,518$759$127
GMC Sierra$1,550$775$129
Nissan Titan$1,566$783$131
Ram Truck$1,592$796$133
Chevrolet Silverado$1,618$809$135

Cheapest Heavy Duty Truck – 2021 Chevrolet Silverado HD 3500

In the heavy duty truck comparison, the Chevrolet Silverado HD 3500 has the best overall insurance rate at around $1,778 per year. On average, it costs $16 more per year when compared to all trucks in the heavy duty class.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Cheapest Heavy Duty Truck to Insure for 2021
Cheapest Heavy Duty Truck to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Chevrolet Silverado HD 3500$1,658$829$138
Nissan Titan XD$1,662$831$139
GMC Sierra 2500 HD$1,726$863$144
Chevrolet Silverado HD 2500$1,736$868$145
Ford F350 Super Duty$1,778$889$148
GMC Sierra 3500$1,780$890$148
Ford F250 Super Duty$1,790$895$149
Ram Truck 2500$1,796$898$150
Ford F450 Super Duty$1,844$922$154
Ram Truck 3500$1,852$926$154

Cheapest Sports Car – 2021 Mazda MX-5 Miata

The cheapest 2021 sports car to insure is the Mazda MX-5 Miata at around $1,280 per year, or $107 per month for full coverage insurance. It costs $814 less per year when compared to the average insurance cost for the entire segment. All 24 vehicles in the class are compared in our sports car insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Sports Cars to Insure for 2021
Top 10 Cheapest Sports Cars to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Mazda MX-5 Miata$1,280$640$107
Ford Mustang$1,560$780$130
BMW Z4$1,588$794$132
Audi TT$1,662$831$139
Toyota Supra$1,676$838$140
Subaru WRX$1,686$843$141
Nissan 370Z$1,714$857$143
BMW M2$1,798$899$150
Subaru BRZ$1,802$901$150
Porsche 718$1,830$915$153

Cheapest Small Luxury Car – 2021 Mercedes-Benz A220

Drivers can expect to pay on average around $1,430 per year, $715 for a 6-month policy, or $119 per month for full coverage insurance on a Mercedes-Benz A220. It costs $249 less per year on average as compared to other small luxury cars. The Mercedes-Benz A220 ranks first out of a total of 17 vehicles in our small luxury car insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Small Luxury Cars to Insure for 2021
Top 10 Cheapest Small Luxury Cars to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Mercedes-Benz A220$1,430$715$119
Volvo S60$1,546$773$129
BMW 330i$1,580$790$132
Cadillac CT4$1,602$801$134
Acura TLX$1,612$806$134
Lexus RC 350$1,624$812$135
BMW i3$1,634$817$136
BMW 230i$1,640$820$137
Alfa Romeo Giulia$1,662$831$139
Genesis G70$1,666$833$139

Cheapest Midsize Luxury Car – 2021 Acura ILX

The cheapest 2021 midsize luxury car to insure is the Acura ILX with at an estimated average cost of $1,368 per year. When compared to the average insurance rate for the entire segment, it costs around $608 less per year. The Acura ILX ranks first out of a total of 34 vehicles in our midsize luxury car insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Midsize Luxury Cars to Insure for 2021
Top 10 Cheapest Midsize Luxury Cars to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Acura ILX$1,368$684$114
Lexus RC 300$1,572$786$131
Lexus ES 350$1,626$813$136
Mercedes-Benz AMG CLA45$1,630$815$136
Lexus IS 300$1,652$826$138
Audi A3$1,680$840$140
Cadillac CT5$1,708$854$142
Audi S5$1,750$875$146
Mercedes-Benz E350$1,806$903$151
Lexus ES 300H$1,832$916$153

Cheapest Large Luxury Car – 2021 Audi A5

Drivers can expect to pay on average around $1,654 per year, or $138 per month, for full coverage insurance on a 2021 Audi A5. It costs $675 less per year on average as compared to other large luxury cars. The full rankings of large luxury cars can be found in our large luxury car insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Large Luxury Cars to Insure for 2021
Top 10 Cheapest Large Luxury Cars to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Audi A5$1,654$827$138
Volvo S90$1,768$884$147
Lexus LS 500H$1,992$996$166
Kia K900$2,032$1,016$169
Lexus LS 500$2,094$1,047$175
Mercedes-Benz AMG E53$2,126$1,063$177
Infiniti Q60$2,138$1,069$178
Genesis G90$2,140$1,070$178
Mercedes-Benz AMG CLS53$2,188$1,094$182
BMW 840i$2,236$1,118$186

Cheapest Small Luxury SUV – 2021 Acura RDX

For small luxury SUVs, the 2021 Acura RDX comes in with the best insurance cost at $1,258 per year. It costs $332 less per year on average as compared to other small luxury SUVs. The Acura RDX ranks first out of a total of 25 vehicles in our small luxury SUV insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Small Luxury SUVs to Insure for 2021
Top 10 Cheapest Small Luxury SUVs to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Acura RDX$1,258$629$105
Cadillac XT4$1,298$649$108
Volvo XC40$1,326$663$111
Lincoln Corsair$1,464$732$122
Lexus UX 250h$1,474$737$123
Volvo XC60$1,490$745$124
BMW X1$1,510$755$126
Lexus UX 200$1,516$758$126
Mercedes-Benz GLB 250$1,516$758$126
Lexus NX 300$1,522$761$127

Cheapest Midsize Luxury SUV – 2021 Volvo V60

Ranked #1 in the midsize luxury SUV segment, insurance rates for the Volvo V60 cost around $1,582 per year, or $132 per month, for full coverage. When compared to the overall average rate for the class, it costs around $133 less per year. The Volvo V60 ranks first out of a total of 30 vehicles in our midsize luxury SUV insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Midsize Luxury SUVs to Insure for 2021
Top 10 Cheapest Midsize Luxury SUVs to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Volvo V60$1,408$704$117
Cadillac XT5$1,440$720$120
Lincoln Nautilus$1,484$742$124
Lexus RX 350$1,508$754$126
Infiniti QX50$1,514$757$126
Jaguar E-Pace$1,522$761$127
Lexus RX 350L$1,552$776$129
Cadillac XT6$1,566$783$131
Acura MDX$1,582$791$132
Genesis GV80$1,616$808$135

Cheapest Large Luxury SUV – 2021 Volvo XC90

In the large luxury SUV class, the award for the cheapest insurance rate goes to the Volvo XC90. A full coverage policy will cost around $1,572 per year, or $131 per month. It costs $556 less per year on average as compared to other large luxury SUVs. The Volvo XC90 ranks first out of a total of 11 vehicles in our large luxury SUV insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Large Luxury SUVs to Insure for 2021
Top 10 Cheapest Large Luxury SUVs to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Volvo XC90$1,572$786$131
BMW X7$1,830$915$153
Lincoln Navigator$1,842$921$154
Toyota Land Cruiser$1,886$943$157
Cadillac Escalade$1,914$957$160
Mercedes-Benz GLS450$1,982$991$165
Lexus LX 570$2,190$1,095$183
Mercedes-Benz AMG GLS63$2,394$1,197$200
Land Rover Range Rover$2,458$1,229$205
Mercedes-Benz G550$2,466$1,233$206